The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,411
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$961/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,284
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$921/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$1,153/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$41,141
+HK$2,360/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,104/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,256/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,575
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,346/mo
Today · 4.125%
HK$45,245
baseline
▲ 0.50% · 4.625%
HK$47,998
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,490/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,635
−HK$1,288/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,555
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,739
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,730/mo
Today · 4.125%
HK$58,172
baseline
▲ 0.50% · 4.625%
HK$61,712
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,344/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,897
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,657/mo
Today · 4.125%
HK$64,187
baseline
▲ 0.50% · 4.625%
HK$67,571
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,374/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,122 · Scale 2, in force from 26 Feb 2026)